Our Products

Public Liability

A Public Liability policy will protect your legal costs in defending a claim, and any damages (compensation) you are liable to pay to a third party for bodily injury or property damage.

Whether you are an individual teacher giving lessons, or you own a dance school and employ/contract other teachers, it is extremely risky to do so without proper insurance cover. Accidents happen, whether you (or your instructors/employees) are at fault or not, you still may be held responsible for injuries that your students or anyone accompanying them, sustain during class, performances or rehearsals.

Where you own or lease you’re a dance studio, the risks are even greater, as injury compensation claims are now routinely made for everything from slipping on graveled driveways to tripping over obstacles in poor light.

Whilst there are many insurance products available to purchase on the internet, without discussing your requirements with a qualified broker, you may find yourself with gaps in your policy and a claim being declined by the insurer in which you would need to pay for the legal costs yourself.

If you are not directly responsible or alleged to be responsible for causing an injury, then the liability policy does not respond and the injured person is accountable for their own injury. E.g. If a student sprains their ankle in class and no one is at fault (I.E An accident) a claim cannot be made under a liability policy, you may wish to look at covering your students under a “group accident” policy. A public Liability policy protects you, should a third party allege you are at fault and seek legal advice.

Prices start from $152.46 for one off cover and $262.75 for an annual policy

Professional Indemnity

Our Professional Indemnity policy will not only protect your business, but also any principal, employee, director, partner or related entity whilst acting with the scope of their duties.

It protects you & your teachers against legal costs and claims for damages to third parties which may arise out of an act, omission or breach of professional duty in the course of your business such as;

  • Failure to develop appropriate programs and services
  • Incorrect instruction given to a student
  • Inadequate provision of services
  • Misleading information / advertising

Freelance Contractor Cover (Individuals)

Low cost cover specifically designed for individuals who do not hire or lease venues.

Cover includes a $20,000,000 Liability cover, a $10,000,000 Professional Indemnity cover and an individual Personal Accident cover as standard.

Premiums start from $150.00 per year!

Management Liability

Management Liability cover’s the personal assets of directors and officers and employees (Insured Persons) as well as the company’s assets if sued (including legal, defence and investigation costs) for a breach in duty.

Not only can directors be held personally liable (exposing personal wealth) but also managers and employees. As the regulatory environment changes, directors are often unaware of their full responsibilities at law. Directors are responsible for the risk management of their company.

A company’s reputation can be damaged if they are investigated, not to mention the ongoing legal costs to defend claims.

Business Property Package

You have worked hard to build your business, our policies are designed to protect you and your business assets.

We can tailor a policy to include; Damage caused by fire, storm, malicious damage or other peril to your buildings, contents & stock,

Theft of your contents & stock, Damage to Glass (including mirrors), Theft of Money, Business Interruption (protecting your businesses revenue should it be disrupted by fire, storm, impact damage or other insurable peril).

Speak to us today to find out what how we can tailor a policy to suit your business needs.

Group Accident cover

Providing your students and /or members group accident insurance can provide them with an extra level of financial protection should they sustain an injury whilst participating in organised training sessions, competitions, displays, performances, traveling to/from their dance / performance activity; to/from their residence, school or place of employment.

Touring Worldwide for the purpose of participating in dancing or performing arts whilst representing their studio, club, organisation or National Body.

Benefits include, Lump sum capital benefits payments, loss of income, Non-Medicare medical expense reimbursement.

Personal Accident & Illness Cover (Income Protection)

Designed for professionals to protect you financially if you suffer an injury or illness that prevents you from working.

Benefits include capital benefit lump sum payments and loss of weekly income

Entry Fee Protection (For Competitions & Eisteddfods)

With Entry Fee Protection insurance, your entrants can now have the peace of mind knowing
they will receive a full Reimbursement of entrance fees (including the booking fee), if they sustain an injury prior to the
competition which prevents them from participating in the event.

Contact us today for more information

Voluntary Workers Cover

Provides a level of financial protection to your Volunteers who may sustain an injury whilst undertaking voluntary work for your business/association/event.

Benefits include, Lump sum capital benefits payments, loss of income, Non-Medicare medical expense reimbursement.

Other covers

  • Cancellation, Abandonment, & Non Appearance
  • Prize Indemnity
  • Leisure Insurance
  • We provide individually tailored covers at very competitive premiums for most activities.
  • Speak to one of our experienced brokers today to find out more.